• Strong Group operating performance in line with guidance
• Core arhi business continues to perform, while supporting customers and providers
• Adjacent business lines contributed $45.3m in UOP

nib Holdings Ltd delivered a strong Group operating performance in FY2025, with the Group UOP of $239.2 million within the guidance range. The company's NPAT was $198.6 million, and a full year dividend of 29.0 cps (fully franked) was supported by the balance sheet strength. The core arhi business continued to perform well, with net policyholder growth of 3.2% and underlying net margins effectively managed within the 6-7% target range. The company's customer-first, digital-led strategy drove a Group NPS of +34, with over 70% of Australian PHI policies connecting digitally in FY25. nib also secured long-term hospital partnerships, and product and network enhancements delivered value through Known Gap and No Gap care models. The adjacent business lines, including NZ, international students and workers (iihi), and Honeysuckle Health and Midnight Health, contributed $45.3 million in UOP. The company's productivity and performance agenda was well progressed, with $18 million in savings delivered through Group-wide simplification and productivity initiatives. nib also accelerated its investment in AI and machine learning, with over 50 initiatives across the Group.